After Ace Devaluation, what's the best card for Utility Payments?

[D₹V]

P.s. I'm assuming usage - utility payments only. For offline & other* spends Ace is still best card .

1. Axis Bank FreeCharge Plus Credit Card [Invite Based Only]

Charges:
• Joining Charges: Free
• Annual Charges: 350* + GST
• *Waiver on 50k spends annually
• P.s. leave the application halfway & apply only after you get call from agent & they might offer you LTF card.



Pros:
• 5% unlimited CB on Utility Payments via FreeCharge App
• 2% on Ola, Uber, Etc
• 1% on Offline & Online

Cons:
• FreeCharge charges 1% Convenience Fee + 18% GST on each utility payment except recharges, so technically ~ 3.8% savings as cashback.

Hidden Tips:
• As per TnC, Insurance Payments are not eligible for cashback but we get 5% cashback [3.8% after charges] which makes this card a Gem . P.s. I haven't tried this personally.
• Time to time we get FC account specific PromoCodes too e.g. FC10 which is for UPI only [as per TnC] but we get CB with this card too [Bug]
• FC offer scratch cards on each txn, before txn your location should be on & you'll get SC in 'FC Cashback' section [reward is obviously luck based].

2. RuPay Platinum Debit Card

Offer: 20% upto 100 instant discount per month on Utility Payments via Amazon [Valid on Fridays Only Till 31st March, 2024]

3. Tata Neu Infinity Credit Card

• Tata Neu Infinity card also offer 5% cashback as NeuCoins .

4. IDFC FIRST Power+ RuPay Credit Card

• 5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000 every month.

 

[Abhishek012]

View attachment 16331
at first, I misread that as 2k as CB per month but later went through their website for details

Where you find this details ?

IDFC customer support also told -

• 5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000 every month

 

[thegame]

Where you find this details ?

IDFC customer support also told -

• 5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000 every month

https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/FIRST-Power-plus-Product-Guide.pdf

 

[Abhishek012]

https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/FIRST-Power-plus-Product-Guide.pdf

Maybe some mistake. Except this pdf file, everywhere mentioned 5% upto 2000 per month.

See here, another variant First power card PDF file, here same thing mentioned - https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/HPCL-Product-Guide.pdf

 

[jack333]

First power plus is a useless card for grocery and utilities. Monthly capping for 5% cashback is only 100rs. See this

 

[ak93]

First power plus is a useless card for grocery and utilities. Monthly capping for 5% cashback is only 100rs. See this

It shows grocery and utilities = 1200

 

[jack333]

Thats annual savings calculator sheet bro

 

[ak93]

Thats annual savings calculator sheet bro

I was going to delete my post after I saw annual

 

[CardTox]

Airtel axis card for bills upto 3000 you get 10%CB caped at 300
And airtel mobile recharge wifi dth you get 25% caped at 300
And 10% for swiggy zomato bigbasket caped at 500
Note these cb are calculated as 300 + 300 + 500 if you manage to utilise it to full extent you can get 1100 cb on spendind 3000 + 1200 + 5000
Which is about 12%
If your spends are limited it can offer a great CB

OMG, i never pay my electricity bill through airtel thanks as i was cheated once... I paid the bill by thanks app, my account deducted and airtel showed the bill successful...but the bill was not received by UPPCL. I was charged for late payment fee in stead of getting cashback!! Though my deducted money was returned after one week, but i suffered losses in terms of late payment fee by UPPCL and i lost the cashback too as i paid directly from the UPCL website next time. Still you want to pay using thanks by airtel card, you must pay one week in advance just to avoid any confusion and late payment fee .

 

[Kirtijyoti]

OMG, i never pay my electricity bill through airtel thanks as i was cheated once... I paid the bill by thanks app, my account deducted and airtel showed the bill successful...but the bill was not received by UPPCL. I was charged for late payment fee in stead of getting cashback!! Though my deducted money was returned after one week, but i suffered losses in terms of late payment fee by UPPCL and i lost the cashback too as i paid directly from the UPCL website next time. Still you want to pay using thanks by airtel card, you must pay one week in advance just to avoid any confusion and late payment fee .

I have been using Airtel card for electricity payments for last 4-5 months .. No issues faced yet and I am getting time to time cashback .

 

[rockking1994]

OMG, i never pay my electricity bill through airtel thanks as i was cheated once... I paid the bill by thanks app, my account deducted and airtel showed the bill successful...but the bill was not received by UPPCL. I was charged for late payment fee in stead of getting cashback!! Though my deducted money was returned after one week, but i suffered losses in terms of late payment fee by UPPCL and i lost the cashback too as i paid directly from the UPCL website next time. Still you want to pay using thanks by airtel card, you must pay one week in advance just to avoid any confusion and late payment fee .

It happened with me once too but since i pay my bills as soon as it generates I didn’t suffer any losses was able to pay second time with out issues

 

[JhoLow]

Airtel axis card for bills upto 3000 you get 10%CB caped at 300
And airtel mobile recharge wifi dth you get 25% caped at 300
And 10% for swiggy zomato bigbasket caped at 500
Note these cb are calculated as 300 + 300 + 500 if you manage to utilise it to full extent you can get 1100 cb on spendind 3000 + 1200 + 5000
Which is about 12%
If your spends are limited it can offer a great CB

Any way or app to track category wise spending month till date? Else tracking manually is difficult.

 

[D₹V]

It's difficult but not impossible .

Any way or app to track category wise spending month till date? Else tracking manually is difficult.

 

[credit_debit]

Bhai, waise HDFC Platinum debit card bhi auto debit lagaya to 5% CB deta hai utility bill pe.

 

[credit_debit]

Bhai, waise HDFC Platinum debit card bhi auto debit lagaya to 5% CB deta hai utility bill pe.

of course restricted to Rs. 1800 for 1 year only + Rs. 500 Amazon gift voucher.

 

[armat]

P.s. I'm assuming usage - utility payments only. For offline & other* spends Ace is still best card .

1. Axis Bank FreeCharge Plus Credit Card [Invite Based Only]

Charges:
• Joining Charges: Free
• Annual Charges: 350* + GST
• *Waiver on 50k spends annually
• P.s. leave the application halfway & apply only after you get call from agent & they might offer you LTF card.

View attachment 16073

Pros:
• 5% unlimited CB on Utility Payments via FreeCharge App
• 2% on Ola, Uber, Etc
• 1% on Offline & Online

Cons:
• FreeCharge charges 1% Convenience Fee + 18% GST on each utility payment except recharges, so technically ~ 3.8% savings as cashback.

Hidden Tips:
• As per TnC, Insurance Payments are not eligible for cashback but we get 5% cashback [3.8% after charges] which makes this card a Gem . P.s. I haven't tried this personally.
• Time to time we get FC account specific PromoCodes too e.g. FC10 which is for UPI only [as per TnC] but we get CB with this card too [Bug]
• FC offer scratch cards on each txn, before txn your location should be on & you'll get SC in 'FC Cashback' section [reward is obviously luck based].

2. RuPay Platinum Debit Card

Offer: 20% upto 100 instant discount per month on Utility Payments via Amazon [Valid on Fridays Only Till 31st March, 2024]

3. Tata Neu Infinity Credit Card

• Tata Neu Infinity card also offer 5% cashback as NeuCoins .

4. IDFC FIRST Power+ RuPay Credit Card

• 5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000 every month.

Do we get 5% cashback on fasttag recharge?

 

[D₹V]

Do we get 5% cashback on fasttag recharge?

Never did it but probably you won't get it.
You can try doing fastag recharge of 100 or 200 or so.